I need to take a print out of this and do it. I had this habit of writing down everything before specially the unpleasant situations and then see how I could work towards it. At one point of time my finances were very messed up and I started maintaining an excel of my monthly actual and anticipated expenses and it is working so well for me. This is interesting, As of now I do it in my mind, at the end of the day but I see this is a very systematic approach and will surely help.